American Bank and Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks American Bank and Trust Company of Tulsa, OK against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.20% | 1.34% | -0.14% | 45th below |
| ROAE | 7.98% | 13.32% | -5.34% | 25th below |
| Net Interest Margin | 4.03% | 3.93% | +0.10% | 55th above |
| Efficiency Ratio | 56.65% | 61.13% | -4.48% | 64th above |
| PPNR / Avg Assets | 1.83% | 1.68% | +0.15% | 64th above |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 2.16% | 1.88% | +0.28% | 28th below |
| Net Interest Spread | 3.04% | 3.32% | -0.28% | 34th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.95% | 0.94% | +2.01% | 7th bottom |
| NPA / Total Assets | 2.10% | 0.70% | +1.40% | 7th bottom |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 91st top |
| ACL / Total Loans | 1.16% | 1.28% | -0.12% | 45th below |
| ACL / NPLs (Coverage) | 39.28% | 1546.64% | -1507.36% | 6th bottom |
| Texas Ratio | 25.16% | 7.33% | +17.83% | 5th bottom |
| Provision / NCO | 77.47% | 1395.50% | -1318.03% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.32% | 12.14% | +3.18% | 88th top |
| Equity / Assets | 15.54% | 11.36% | +4.18% | 90th top |
| TCE / Tangible Assets | 15.54% | 11.08% | +4.46% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 72.39% | 80.66% | -8.27% | 67th above |
| Core Deposit Ratio | 79.54% | 86.85% | -7.31% | 15th bottom |
| Wholesale Funding Ratio | 1.18% | 5.04% | -3.86% | 79th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.67% | 6.84% | -8.51% | 12th bottom |
| Loan Growth (Y/Y) | -3.72% | 7.92% | -11.64% | 10th bottom |
| Deposit Growth (Y/Y) | -2.83% | 6.29% | -9.12% | 11th bottom |
See American Bank and Trust Company's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock American Bank and Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full American Bank and Trust Company profile, how to read a UBPR, or how this data updates.